What is Umb Financial's earnings per share (EPS)?

Umb Financial (UMBF) reported diluted earnings per share of $9.29 for fiscal year 2025. This represents a 3.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Umb Financial Financials

UMBF

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Umb Financial (UMBF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 82/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Umb Financial's revenue surged 54.5% year-over-year to $3.4B, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

100

Umb Financial carries a low D/E ratio of 0.06, meaning only $0.06 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Umb Financial converts 29.2% of revenue into free cash flow ($978.1M). This strong cash generation earns a score of 98/100.

Returns

Umb Financial's ROE of 9.1% shows moderate profitability relative to equity, earning a score of 31/100. This is down from 12.7% the prior year.

Piotroski F-Score Neutral

6/9

Umb Financial passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.46x

For every $1 of reported earnings, Umb Financial generates $1.46 in operating cash flow ($1.0B OCF vs $702.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.4B

YoY+54.5%

5Y CAGR+32.9%

10Y CAGR+22.8%

Umb Financial generated $3.4B in revenue in fiscal year 2025. This represents an increase of 54.5% from the prior year.

EBITDA

N/A

Net Income

$702.4M

YoY+59.2%

5Y CAGR+19.6%

10Y CAGR+19.7%

Umb Financial reported $702.4M in net income in fiscal year 2025. This represents an increase of 59.2% from the prior year.

EPS (Diluted)

$9.29

YoY+3.3%

5Y CAGR+9.4%

10Y CAGR+14.3%

Umb Financial earned $9.29 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$978.1M

YoY+376.5%

5Y CAGR+25.6%

10Y CAGR+20.0%

Umb Financial generated $978.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 376.5% from the prior year.

Cash & Debt

$7.8B

YoY-8.0%

5Y CAGR+17.3%

10Y CAGR+25.2%

Umb Financial held $7.8B in cash against $474.2M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.63

YoY+3.8%

5Y CAGR+5.5%

10Y CAGR+5.5%

Umb Financial paid $1.63 per share in dividends in fiscal year 2025. This represents an increase of 3.8% from the prior year.

Shares Outstanding

76M

YoY+55.6%

5Y CAGR+9.6%

10Y CAGR+4.4%

Umb Financial had 76M shares outstanding in fiscal year 2025. This represents an increase of 55.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

20.9%

YoY+0.6pp

5Y CAGR-14.5pp

10Y CAGR-6.0pp

Umb Financial's net profit margin was 20.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.6 percentage points from the prior year.

Return on Equity

9.1%

YoY-3.6pp

5Y CAGR-0.4pp

10Y CAGR+3.0pp

Umb Financial's ROE was 9.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$17.6M

YoY+127.8%

5Y CAGR-22.7%

10Y CAGR+7.6%

Umb Financial spent $17.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 127.8% from the prior year.

Capital Expenditures

$48.6M

YoY+142.8%

5Y CAGR-4.2%

10Y CAGR-1.0%

Umb Financial invested $48.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 142.8% from the prior year.

UMBF Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.4B+54.5%	$2.2B+18.1%	$1.8B+61.6%	$1.1B+32.0%	$861.5M+6.6%	$808.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5B+27.5%	$1.2B+27.4%	$918.6M+310.6%	$223.7M+386.3%	$46.0M-40.5%	$77.3M
Income Tax	$172.6M+72.5%	$100.0M+39.7%	$71.6M-28.7%	$100.3M+31.9%	$76.0M+45.2%	$52.4M
Net Income	$702.4M+59.2%	$441.2M+26.1%	$350.0M-18.9%	$431.7M+22.3%	$353.0M+23.2%	$286.5M
EPS (Diluted)	$9.29+3.3%	$8.99+25.2%	$7.18-19.0%	$8.86+22.4%	$7.24+22.1%	$5.93

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$886.9M+0.9%	$878.9M+3.3%	$850.5M+15.3%	$738.0M+33.0%	$555.0M-0.5%	$557.7M+3.6%	$538.3M+3.5%	$520.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$364.4M-9.8%	$403.9M+5.3%	$383.5M+12.7%	$340.3M+19.0%	$286.0M-7.8%	$310.3M+5.8%	$293.2M+4.5%	$280.6M
Income Tax	$55.0M+13.9%	$48.2M-16.3%	$57.6M+392.0%	$11.7M-52.8%	$24.8M-4.6%	$26.0M+1.8%	$25.6M+8.3%	$23.6M
Net Income	$215.4M+14.4%	$188.3M-13.4%	$217.4M+167.3%	$81.3M-32.2%	$120.0M+9.4%	$109.6M+8.2%	$101.3M-8.1%	$110.3M
EPS (Diluted)	N/A	$2.36-16.3%	$2.82+133.1%	$1.21	N/A	$2.23+7.7%	$2.07-8.0%	$2.25

UMBF Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$73.1B+45.0%	$50.4B+14.5%	$44.0B+14.3%	$38.5B-9.8%	$42.7B+28.9%	$33.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$7.8B-8.0%	$8.4B+52.8%	$5.5B+254.9%	$1.6B-83.1%	$9.2B+163.5%	$3.5B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.8B+787.2%	$207.4M0.0%	$207.4M0.0%	$207.4M+18.8%	$174.5M-3.5%	$180.9M
Total Liabilities	$65.4B+39.3%	$46.9B+14.7%	$40.9B+14.1%	$35.8B-9.4%	$39.5B+31.3%	$30.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$474.2M+23.1%	$385.3M+0.5%	$383.2M+0.5%	$381.3M+40.4%	$271.5M+0.7%	$269.6M
Total Equity	$7.7B+121.9%	$3.5B+11.8%	$3.1B+16.2%	$2.7B-15.2%	$3.1B+4.3%	$3.0B
Retained Earnings	$3.7B+17.7%	$3.2B+13.0%	$2.8B+10.8%	$2.5B+16.5%	$2.2B+15.1%	$1.9B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$73.1B+1.7%	$71.9B+0.2%	$71.8B+3.5%	$69.3B+37.6%	$50.4B+6.1%	$47.5B+6.8%	$44.5B-1.9%	$45.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$7.8B-12.1%	$8.8B-19.6%	$11.0B+3.6%	$10.6B+25.6%	$8.4B+16.1%	$7.3B+45.1%	$5.0B-27.8%	$6.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.8B+0.2%	$1.8B+1.2%	$1.8B+0.8%	$1.8B+767.2%	$207.4M0.0%	$207.4M0.0%	$207.4M0.0%	$207.4M
Total Liabilities	$65.4B+1.5%	$64.4B-0.1%	$64.5B+3.0%	$62.6B+33.4%	$46.9B+6.8%	$44.0B+6.6%	$41.2B-2.2%	$42.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$474.2M+0.6%	$471.3M-28.3%	$657.3M+0.4%	$654.4M+69.8%	$385.3M+0.1%	$384.8M+0.1%	$384.2M+0.1%	$383.7M
Total Equity	$7.7B+3.4%	$7.4B+2.2%	$7.3B+8.0%	$6.7B+94.7%	$3.5B-2.0%	$3.5B+9.5%	$3.2B+2.4%	$3.2B
Retained Earnings	$3.7B+5.0%	$3.6B+4.4%	$3.4B+5.7%	$3.2B+1.6%	$3.2B+3.3%	$3.1B+3.0%	$3.0B+2.8%	$2.9B

UMBF Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.0B+355.7%	$225.3M-52.3%	$472.6M-38.6%	$769.6M+44.1%	$534.1M+43.0%	$373.6M
Capital Expenditures	$48.6M+142.8%	$20.0M-13.4%	$23.1M-55.3%	$51.7M+53.5%	$33.7M-44.1%	$60.2M
Free Cash Flow	$978.1M+376.5%	$205.3M-54.3%	$449.5M-37.4%	$717.8M+43.5%	$500.4M+59.7%	$313.4M
Investing Cash Flow	-$5.6B-72.3%	-$3.3B-156.2%	-$1.3B+66.9%	-$3.8B+9.2%	-$4.2B+5.7%	-$4.5B
Financing Cash Flow	$3.9B-34.3%	$6.0B+24.9%	$4.8B+204.2%	-$4.6B-148.6%	$9.4B+58.4%	$5.9B
Dividends Paid	$135.6M+75.8%	$77.1M+3.9%	$74.2M+3.1%	$72.0M+7.9%	$66.8M+10.7%	$60.3M
Share Buybacks	$17.6M+127.8%	$7.7M-7.5%	$8.4M-73.9%	$32.0M+481.1%	$5.5M-91.4%	$63.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$106.1M-61.0%	$272.2M-4.6%	$285.4M-21.4%	$363.0M+642.9%	-$66.9M-154.1%	$123.6M+10.0%	$112.4M+100.1%	$56.1M
Capital Expenditures	$10.8M-25.3%	$14.4M-1.4%	$14.6M+65.5%	$8.8M-13.3%	$10.2M+137.0%	$4.3M+36.0%	$3.2M+32.9%	$2.4M
Free Cash Flow	$95.3M-63.0%	$257.8M-4.8%	$270.8M-23.6%	$354.2M+559.7%	-$77.1M-164.6%	$119.4M+9.3%	$109.2M+103.1%	$53.8M
Investing Cash Flow	-$2.1B0.0%	-$2.1B-7.3%	-$2.0B-401.2%	$663.2M+138.6%	-$1.7B-192.1%	-$588.3M+47.2%	-$1.1B-803.4%	$158.4M
Financing Cash Flow	$967.0M+440.8%	-$283.7M-113.5%	$2.1B+84.8%	$1.1B-61.6%	$3.0B+8.5%	$2.7B+394.6%	-$925.2M-177.1%	$1.2B
Dividends Paid	$40.6M+25.0%	$32.5M+0.4%	$32.4M+7.5%	$30.1M+54.2%	$19.5M+1.8%	$19.2M-5.5%	$20.3M+6.8%	$19.0M
Share Buybacks	$79K-95.7%	$1.8M+529.3%	$290K-98.1%	$15.4M	$0-100.0%	$201K	$0-100.0%	$7.5M

UMBF Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	20.9%+0.6pp	20.3%+1.3pp	19.0%-18.9pp	38.0%-3.0pp	41.0%+5.5pp	35.4%
Return on Equity	9.1%-3.6pp	12.7%+1.4pp	11.3%-4.9pp	16.2%+5.0pp	11.2%+1.7pp	9.5%
Return on Assets	1.0%+0.1pp	0.9%+0.1pp	0.8%-0.3pp	1.1%+0.3pp	0.8%-0.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.06-0.0	0.11-0.0	0.12-0.0	0.14+0.1	0.090.0	0.09
FCF Margin	29.2%+19.7pp	9.5%-15.0pp	24.4%-38.7pp	63.1%+5.0pp	58.1%+19.3pp	38.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.3%+2.8pp	21.4%-4.1pp	25.6%+14.5pp	11.0%-10.6pp	21.6%+2.0pp	19.7%+0.8pp	18.8%-2.4pp	21.2%
Return on Equity	2.8%+0.3pp	2.5%-0.5pp	3.0%+1.8pp	1.2%-2.3pp	3.5%+0.4pp	3.1%-0.0pp	3.1%-0.4pp	3.5%
Return on Assets	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.2pp	0.1%-0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.060.0	0.06-0.0	0.090.0	0.10-0.0	0.110.0	0.11-0.0	0.120.0	0.12
FCF Margin	10.8%-18.6pp	29.3%-2.5pp	31.8%-16.2pp	48.0%+61.9pp	-13.9%-35.3pp	21.4%+1.1pp	20.3%+9.9pp	10.3%

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Frequently Asked Questions

What is Umb Financial's annual revenue?

Umb Financial (UMBF) reported $3.4B in total revenue for fiscal year 2025. This represents a 54.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Umb Financial's revenue growing?

Umb Financial (UMBF) revenue grew by 54.5% year-over-year, from $2.2B to $3.4B in fiscal year 2025.

Is Umb Financial profitable?

Yes, Umb Financial (UMBF) reported a net income of $702.4M in fiscal year 2025, with a net profit margin of 20.9%.

How much debt does Umb Financial have?

As of fiscal year 2025, Umb Financial (UMBF) had $7.8B in cash and equivalents against $474.2M in long-term debt.

What is Umb Financial's net profit margin?

Umb Financial (UMBF) had a net profit margin of 20.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Umb Financial pay dividends?

Yes, Umb Financial (UMBF) paid $1.63 per share in dividends during fiscal year 2025.

What is Umb Financial's return on equity (ROE)?

Umb Financial (UMBF) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Umb Financial's free cash flow?

Umb Financial (UMBF) generated $978.1M in free cash flow during fiscal year 2025. This represents a 376.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Umb Financial's operating cash flow?

Umb Financial (UMBF) generated $1.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Umb Financial's total assets?

Umb Financial (UMBF) had $73.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Umb Financial's capital expenditures?

Umb Financial (UMBF) invested $48.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Umb Financial buy back shares?

Yes, Umb Financial (UMBF) spent $17.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Umb Financial have outstanding?

Umb Financial (UMBF) had 76M shares outstanding as of fiscal year 2025.

What is Umb Financial's debt-to-equity ratio?

Umb Financial (UMBF) had a debt-to-equity ratio of 0.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Umb Financial's return on assets (ROA)?

Umb Financial (UMBF) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Umb Financial's Piotroski F-Score?

Umb Financial (UMBF) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Umb Financial's earnings high quality?

Umb Financial (UMBF) has an earnings quality ratio of 1.46x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Umb Financial?

Umb Financial (UMBF) scores 82 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.